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Henry came to Loan Lawyers because he was receiving numerous auto-dialed and/or pre-recorded message phone calls on his cell phone from a debt collector trying to collect a debt that Henry disputed he owed. The phone calls were causing a major disruption in his everyday life, affecting his ability to…

Loan Lawyers, LLC is licensed to practice law in the state of Florida. If you have a legal matter that you would like to discuss and you are NOT located in Florida, please contact your state’s Bar Association to get the information of a lawyer who can assist you in…

Fla. Stat. § 559.55, more commonly known as the Florida Consumer Collection Practices Act, defines a debt collector in Florida as any person who uses any instrumentality of commerce within the state of Florida in any business whose principal purpose is the collection of debts, or who regularly collects or…

For individuals that apply for and are denied a loan or extension of credit by a creditor, the possibility exists that the decision by the creditor may have been wrongfully based on invalid or non-supportive evidence. Consumers should always ask a creditor to specify the reasons for which it based…

Consumers who believe their credit has been damaged should probably obtain a full credit file disclosure, which is different than a credit report since it may contain additional information. Once this disclosure is received and reviewed, any mistakes may be disputed with the credit reporting agencies reporting false or incorrect…

Under the Equal Credit Opportunity Act (ECOA), lenders and other entities that extend credit are prohibited from basing their credit decisions on characteristics including, but not limited to, age, race, color, gender, and marital status. Creditors may ask for most of this information in certain situations, but they may not…

The Fair Credit Reporting Act (FCRA) provides individuals with many rights related to the collection and dissemination of their credit history. Here is the second part of a summary of their major rights under the FCRA: Consumer reporting agencies (CRA) may not report outdated negative information. Thus, negative information more…

The Fair Credit Reporting Act (FCRA) protects consumers by providing them with rights related to the collection and dissemination of their credit history. States may enforce the FCRA, and many states have their own consumer reporting laws. In some cases, individuals may have more rights under state law. Here is…

A 2016, U.S. Supreme Court case, Spokeo v. Robins, in a 6-2 vote, ruled that individuals suing under the Fair Credit Reporting Act must demonstrate “concrete” harm rather than merely allege the existence of a technical legal violation of the statute. This supports the view that simply listing the elements of a statutory claim…